Top 10 Best Homeowner
Insurance
In Butte Silver Bow, MT

Butte Silver Bow has a population of 33,147 and a median income of 37,847. The Homeowner Insurance premium averages $1,081 per year for Butte Silver Bow residents. With dozens of insurance companies and agents in the area, consumers often find it hard to choose the best option to purchase.

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Why do you need Homeowner Insurance?

Although homeowner insurance is usually no required by law, you typically purchase insurance if you are
financing the house, which is required by the bank. Homeowner insurance protects your lenders's investment
caused by risks like fire or theft. One of the minimal requirements for purchasing your homeowner insurance
is to make sure that you covered the right amount of the dwelling cost.

Discounts for homeowner insurance

Most carriers provide various discounts for homeowner insurance such as multiple-policy discounts or clean
claim history discounts.

Discount

Description

Multi-Policy

If you purchase both home and auto insurance from the same company, you may qualify a
discount for
both auto and homeowner insurance.

Secure Home

If you have extinguishers, burglar alarms devices or you are in a gated community, you may
qualify for the secured home discount. This averages about 5% from quite a few carriers.

Claim-free

Just like auto insurance is lower for accident-free drivers, homeowner insurance is also
cheaper for claim free residents. If you have never reported any claims before, you will
qualify for the claim-free discounts from quite a few carriers.

Loyalty

Some carriers, especially those largest ones, offer loyalty discount if you have been with them for
a few years. If you do have, you can see this discount from your declaration page or talk to your
insurance agent.

Home Improvements

This often is the most critical discounts that highly impact your premium. If you have recent home
improvements such as replacing your roof, your electricity or any other building materials, you
definitely need to include that in your quotes. This usually could contribute most in your saving.

Good Credit

A customer with a credit score higher than 700 can often get a better rate than those who
don’t.

Pay-in-full

If the carrier supports both monthly and yearly payment, usually paying-in-full will give
you a discount. In other words, if you choose to pay monthly, you should pay attention to
the extra fee charged by your carrier.

Paperless

A few carriers even provide paperless discounts. But more and more new insurance carriers do
not offer it probably because the overall cost has already been saved.